Best Online Shopping Credit Cards in Singapore (2021)

SingSaver team

SingSaver team

Last updated 05 October, 2021

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.

Online shopping a way of life for you? Then add these credit cards to cart, pronto.

The best thing about online shopping is that you can refresh your wardrobe or gadget stash without contending with the downtown crowd and the commute. And with the heightened anticipation from the delivery, it makes the unboxing of your new loot all the more satisfying. 

With so many online shopping and e-commerce sites that cover everything from food, fashion, travel, cosmetics, gadgets and even groceries, everything you could ever want is at the touch of your fingertips. However, to shop online like a pro, make sure you’re using the right credit card to really maximise your online spending. You could be missing out on some big cash rebates, rewards or even bonus miles! Here are the best credit cards for online shopping right now.


SingSaver Exclusive Offer: Grab an Apple iPad Air 5th Gen (worth S$879) or an Apple Watch Series 8 (worth S$799) or S$800 Cash when you make a min. deposit of S$250,000 by 30 December 2022. Valid till 30 November 2022. T&Cs apply.

This is applicable for all new to bank customers who do not have an existing Citigold or Citibank current/savings account. If you own a Citibank credit card or personal loan, you will still be eligible. T&Cs apply.

You'll also enjoy exclusive privileges, from personalised wealth advisories to a dedicated Relationship Manager – all to close the gap to your financial milestones. 

Additionally, get up to S$6,976 cash when you make a min. deposit of S$250,000 in Assets Under Management within 3 months of account opening. T&Cs apply.

Best for shopping rewards redemption: Citibank Rewards
Best for easy 8% cashback: UOB EVOL Card
Best for e-Commerce shopping: OCBC Titanium
Best for highest cashback rate: CIMB Visa Signature
Best for online food delivery: OCBC 365
Best for online and offline buys: DBS Live Fresh
Best for unlimited cashback: UOB Absolute Cashback Card
Best for mobile payments: UOB One

Best credit cards for online shopping
Best for Best credit card Benefits 
Shopping rewards redemptionCitibank Rewards Card4 miles per dollar on online spend
Easy 8% cashbackUOB EVOL Card8% cashback on online spend and mobile contactless spend
Unlimited cashback UOB Absolute Cashback Card1.7% cashback on all spend
Highest cashback rateCIMB Visa Signature10% cashback
Online and offline buysDBS Live Fresh5% cashback on online & Visa contactless spend; extra 5% on select sustainable spend
e-Commerce shoppingOCBC Titanium Card4 miles per dollar on top e-commerce sites
Online food deliveryOCBC 3656% cashback
Mobile paymentsUOB One CardUp to 5% cashback 

Best for shopping rewards redemption: Citibank Rewards

If your ideal kind of day is spent shopping online at home, then the Citibank Rewards Card is for you. 

This is one of the cards that gives the highest reward points: 10 Rewards points (4 miles for every $1) for online spend, both overseas and locally. The best part? No minimum spend is required. Your Rewards points can either be used to offset payment for purchases or to redeem from a catalogue of Citi ThankYou rewards that include various merchandises and travel. 

The monthly cap is set at 10,000 Rewards points per statement month (equivalent to S$1,000 per month for online shopping). However, if you’re an online shopping fiend and spend over S$1,000 per month, you earn only 1 Reward point for every S$1 spent after the cap is reached. Also, take note, Rewards points aren’t offered on travel-related transactions so don’t book your flight tickets and hotel stays using this card. Check out the full exclusions here.


SingSaver Exclusive Offer: Receive a Dyson Supersonic (worth S$649) or Sony WH-1000XM5 (worth S$569) or an AirPods Pro 2nd Gen + MagSafe Charger bundle (worth S$418) or S$350 Cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 16 October 2022. T&Cs apply.

Pick your Citibank card here!

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Best for easy 8% cashback: UOB EVOL Card

If you enjoy buying anything and everything online as well as adore the cashless lifestyle, the UOB EVOL Card is your BFF. 

The main highlight of this easy-to-use credit card is that you get to enjoy a high 8% cashback on all your online spend and mobile contactless spend made via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay.

It's really as simple as that so long as you meet the decently achievable minimum spend requirement of S$600 per statement month to earn the maximum cash back.

As there is a cap of S$60 per statement month split across the categories, you may need to track your spending.

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Best for unlimited cashback: UOB Absolute Cashback Card  

If you just want a simple, hassle-free cashback card that has no lid on how much you can get back, the UOB Absolute Cashback Card is the card to get. 

It offers the most straightforward cashback rate: 1.7% cashback on everything! If you think 1.7% sounds low, keep in mind there is no minimum spending requirements or cashback caps.  This is ideal for those who don’t have time to keep track and split expenses across multiple cards (who does?).

With the unlimited cashback in mind, the best time to get hold of this credit card is when you’re anticipating a big-ticket online purchase, such as household appliances, furniture or electronic gadgets. 

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Best for high cashback rate: CIMB Visa Signature

While the UOB Absolute Cashback Card offers limitless cashback with a relatively low 1.7%, the CIMB Visa Signature card is quite the opposite: it accelerates your online shopping gains with the highest cashback at 10%. But online shopping itself is a wide spectrum, and it includes groceries; if this category takes up a significant portion of your monthly expenditure, it is highly recommended that you charge it to this card too. 

Another major benefit of the CIMB Visa Signature Card is that principal cardholders enjoy a  lifetime fee waiver of annual fees.

Be sure to spend a minimum of S$800 per month to qualify for the 10% cashback, which is capped at S$100 per statement month, split into S$20 per category.

As stated in the exclusions, the cashback applies strictly to online shopping, which means your brick-and-mortar retail spends only get you 0.2%.


SingSaver Exclusive Offer: Receive an ErgoTune Classic (worth S$399) or S$250 cash when you make a min. spend of S$988 within 60-days of card approval. Valid till 31 October 2022. T&Cs apply.

Pick your CIMB card here!

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Best for online and offline buys: DBS Live Fresh

Fashionistas, you can do no wrong if you carry DBS Live Fresh into your online shopping spree. Whether you’re shopping for your next great #OOTD ensemble, the latest sneaker release or beauty/grooming products, you enjoy 5% cashback on all qualifying online purchases. 

But that’s just one of the twin engines of cashback earning; all your Visa contactless (PayWave) payments during physical shopping (not limited to retail) also gets you 5% cashback.

To encourage more to go green, cardmembers can look forward to earning an additional 5% cashback on select eco-friendly merchants!

All other spending earns 0.3%. In a month, assuming you hit the minimum qualifying spend of S$600, you could earn up to a total of S$75 cashback.

DBS has the occasional credit card promotion whereby you earn higher cashback rate on selected categories of spending, or when you hit certain spending goals. So keep a lookout for those.

Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 31 January 2023. T&Cs apply.

Find more DBS/POSB credit cards here. If you're not a new DBS/POSB credit cardmember, consider these promotions instead.

DBS Live Fresh Student Card

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Best for e-Commerce shopping: OCBC Titanium

If retail and online shopping are high on your agenda, then the OCBC Titanium Card is the card to shop with.

It gives the highest reward points, 50 OCBC$ for every S$5 spent on shopping category (i.e. 10 OCBC$ per dollar) on a wide range of categories including department stores, clothes, shoes and bags, personal care, babies and children’s wear, electronics as well as computers, peripherals, and software.

Fans of Shopee, Taobao, Ezbuy, IKEA, Lazada, Qoo10, Amazon, Alibaba, AliExpress, Daigou, Mustafa Centre and Courts can also look forward to racking up rewards quickly with this credit card.

That's not all. You can also earn an additional 2% cash rebate if you are shopping at BEST Denki.

Another perk? With complimentary e-Commerce Protection, the card safeguards you against non-delivery or defective goods for all online purchases charged to the credit card.

OCBC Titanium Rewards Card
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OCBC Titanium Rewards Card
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Best for online food delivery: OCBC 365

If your idea of online shopping involves ordering a feast from your favourite delivery platforms, the OCBC 365 Credit Card rewards you for that with 6% cashback on the likes of Deliveroo, GrabFood and foodpanda.

The icing on the cake is that it offers a slightly higher than average cashback cap of S$80 per month, assuming you spend at least S$800 per calendar month. 

Besides the 6% cashback on online food deliveries (as well as dining in general), you’ll also get to enjoy an array of cashback privileges on other online spending categories, most notably the 3% on groceries, online travel bookings, private hire rides and recurring telco and electricity bills.

For those who drive, the OCBC 365 also comes with fuel perks: up to 22.1% fuel savings at Caltex (including 18% instant discount for all fuel), up to 20.2% fuel savings at Esso, and 5% cashback on fuel spend at all other petrol service stations!

SingSaver promotion: Enjoy 5.6% cashback when you apply for the OCBC 365 credit card and make a min. monthly spend of S$800 within the first month following card approval. Promotion is for new OCBC cardmembers only. Valid till 31 August 2021. T&Cs apply.

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Best for mobile payments: UOB One 

If you like the convenience of using mobile wallets like Google Pay, Apple Pay, and UOB Mighty, then you should sync them with the UOB One Card

With this card, you enjoy the same rebates for mobile payment as you would with their physical card. You’ll get a 5% cash rebate on ALL retail spend and 10% SMART$ rebate at over 300 participating merchants across dining, groceries and shopping spend. 

Take note, however, the cash rebate for the UOB One Card is based on 3 tiers of minimum spending per quarter. To qualify for the maximum 5% cash rebate (equal to S$300 cashback per quarter), you’ll need to spend a minimum of S$2,000 per month for three straight months. If not, you’ll get 3.33% cash rebate for anything below it, although selected spends such as Grab rides and UOB Travel are marked for bonus cash rebates.

The other downside is you won’t get instantly rewarded. You’ll have to wait till the end of each quarter to get your cash rebate. Also, your monthly spend has to be spread out across a minimum of 5 transactions per month; so if you’re planning to spend S$2,000 on a luxury handbag, that ‘hack’ isn’t going to fly.

Read these next:
Best Dining Credit Cards in Singapore
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Top Credit Card Promotions And Deals On SingSaver

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